Patrick H. Garrett, SPPA, AIC, General Contractor


Patrick H. Garrett | SPPA, AIC, CGC


Patrick H. Garrett began his career working alongside his father within the insurance restoration industry. His father owned a construction company that worked exclusively for insurance companies.

Managing his first loss at eighteen, Mr. Garrett has worked with in all facets of the construction industry. Coupled with the tutelage of his father and combined with his experience, representation of policyholders is in its second generation.

He has represented clients during every natural disaster to affect Florida’s coast since 1995. Licensed within nine coastal states, his firm, North American Insurance Consultants, Inc., has the exceptional ability and talents to resolve first-party losses as well as assist in third-party issues. Mr. Garrett has earned the highest certification of contracting within the State of Florida General Contractor, achieved the distinguished, designation of Senior Professional Public Adjuster (SPPA) and the Associate in Claims (AIC) from The Insurance Institutes of America. Additionally, he has served as guest speaker for the Windstorm Insurance Network, CLE International, CAl’s Suncoast Chapter, and other associations. He has served on the board and is a founding member of his state organization, FAPIA, and longtime member of the national organization (NAPIA).

As a fifth generation Floridian, Mr. Garrett understands the dynamics of this state’s insurance industry and the events affecting our properties. North American Insurance Consultants (NAIC, Inc.) was incorporated in 1990 to assist those professionals and property exposures with claims adjusting. In addition to Florida, NAIC, Inc. also extends its services to other states – Georgia, South Carolina, North Carolina, Mississippi, Louisiana, Texas, New Jersey and New York.

NAIC, Inc. has over 35 years combined adjusting, insurance and construction industry experience. Accurate documentation and claim preparation are the keys to negotiating settlements. Our knowledge of such complex issues makes NAIC, Inc. a firm that exhibits the attention to detail that facilitates equitable settlements.

Summary of Qualifications

  • Over thirty years experience within the construction and insurance industries
  • Managed insurance claims for losses due to:
    • Windstorms
    • Floods
    • Sinkholes
    • Water
    • Collapse
    • Fire
    • Vehicle vs. Building
    • Personal Property Inventories
    • Business Interruption
    • Rental Income
    • Additional Living Expenses
  • Assisted in Third-Party Claims regarding Construction Defect and First-Party Litigation Construction & Damage Consultant
  • Managed claims against insurers that include the following natural disasters:
    • Hurricane Dennis (2005)
    • Hurricane Katrina (2005)
    • Hurricane Wilma (2005)
    • Hurricane Charley (2004)
    • Hurricane Francis (2004)
    • Hurricane Ivan (2004)
    • Hurricane Jeanne (2004)
    • Hurricane Floyd (2000)
    • Hurricane Irene (1999)
    • Hurricane Georges – Florida and Alabama (1998)
    • Hurricane Danny – Florida and Alabama (1997)
    • Hurricane Josephine (1996)
    • Hurricane Erin (1995)
    • Hurricane Opal (1995)


Professional Experience

  • 1995 – Present President, North American Insurance Consultants, Inc., Tampa, Florida
  • 1998 – Present Appointed Insurance Appraiser
  • 1998 – Present Civil-court expert witness
  • 1995 – 1982 Construction Industry Florida

Professional Affiliations


  • Windstorm Insurance Conference – Windstorm Insurance Network, Inc. – 1999-Present
  • Windstorm Insurance Conference – Windstorm Insurance Network, Inc., – Speaker 2003
  • Windstorm Insurance Conference – Windstorm Insurance Network, Inc. – Umpire Certification 2012
  • Windstorm Insurance Conference – Windstorm Insurance Network, Inc. – Appraiser Certification 2014
  • Certified insurance Counselors – Commercial Casualty 2000
  • National Flood Insurance Program – CCI and General Flood Approved
  • Florida Windstorm Certification Program – 2000
  • CLE International, – Speaker 2002
  • Cam-Tech School of Construction – 2004 CE
  • Florida Contractor’ School – 2006-present CE
  • BOMA of Tampa Bay – Speaker 2007

Licenses / Designations

  • Certified General Contractor – Florida 1504657 – 2002
  • Senior Professional Public Adjuster (SPPA) – The Insurance Institute of America – 2013
  • Associate in Claims (AIC) – The Insurance Institutes of America – 2004
  • State of Florida All-Lines) – Public Adjuster A093884, 1995-Present
  • Additional states licensed to practice:
    Georgia , South Carolina, North Carolina, Mississippi, Louisiana, Texas, New Jersey & New York

Articles / Features

  • Tampa Tribune, – August 2005
  • Florida Community Association Journal, – July 2007
  • News media interviews

Mary Ware

Public Adjuster and Executive Assistant

Mrs. Ware has complete control of all claims administration and fulfillment for our clients. Her 15 years with the firm has proved her ability no matter the case or cause of loss she has the capability to identify the correct aspects of loss presentation, estimation and communicating with all parties. She excels in accountability of estimation, inventory and claim analysis.

James A. Garrett

Public Adjuster

Mr. Garrett has been a licensed insurance professional for over 14 years and adjusting with the firm for 11 years. He has extensive knowledge in all claim types and well versed in construction estimating. Large losses to your household water claim he excels in not only his craft, but client relationships.

Kendra Parry Williams

Public Adjuster Apprentice

Mrs. Williams has worked for the firm for 5 years while attending the University of South Florida. She has proven skills in coordinating and scheduling large loss inspections coupled with being an inventory specialist.

Terri M. Garrett


Mrs. Garrett was a commercial property agent for over 15 years prior to joining the firm. Her skill set is extensive in coverages, policy review and insurable interests. She oversees day to day operations and administers the accounting for the firm.

What Our Satisfied Clients Have To Say

“You and your team of public adjusters have been a great help to my clients during catastrophic losses. Your background as a general contractor and expertise in the construction field not only helped when handling hurricane claims, but in many other property disputes. You and your staff are professional, dependable

J.F. Lakin Attorney at Law December 20, 2015